Long Term Multi-Family
Looking for Financing Specifically for Multi-Family & Mixed-Use Properties?
Campos Capital Group offers short-term bridge financing, fix and flip financing, & long-term rental financing for 5+ unit apartments & mixed-use properties.
Loan Criteria
Collateral:
Multi-family apartment buildings (5+ units); mixed-use properties (residential space that is greater than 50% of square footage)
Term:
18 Months (extended terms available)
30 Years (amortization options available)
Loan Amount:
Short-Term: $250K – $10M ($1M max per unit)
Long-Term: $250K – $3M
FICO:
Short-Term: 650 minimum
Long-Term: 650 minimum
LTV:
Stabilized Bridge
Purchase: Up to 75% of the As-Is value
Refinance: Up to 75% of the As-Is value
Cash-Out: Up to 65% of the As-Is Value
Fix & Flip:
Purchase: Up to 85% of the purchase price + 100% of renovation costs
Refinance: Up to 75% of the As-Is value + 100% of renovation costs
Cash-Out: Up to 65% of the As-Is value + 100% of renovation costs
Long-Term:
Purchase: Up to 75% of the As-Is value
Refinance: Up to 75% of the As-Is value
Cash-Out: Up to 70% of the As-Is value
Loan Program Typical Leverage & Rates
STABILIZED BRIDGE
| MAXIMUM LOAN-TO-VALUE | |
| Purchase | Up to 75% of the As-Is Value |
| Rate/Term Refinance | Up to 70% of the As-Is Value |
| Cash-Out | Up to 65% of the As-Is Value |
FIX & FLIP
| New Investor - (0–4 Completed Flips) | |||
| MAXIMUM AFTER-REPAIR VALUE | MAXIMUM FINANCING | ||
| Light / Moderate Rehab | Financing | Up to 75% of the ARV | Up to 92.5% financing + up to 100% of eligible rehab costs |
| Rate | Maximum 75% ARV | 9.74% Fixed Rate | |
| Experienced Investor - (5 Completed Flips) | |||
| MAXIMUM AFTER-REPAIR VALUE | MAXIMUM FINANCING | ||
| Light / Moderate Rehab | Financing | Up to 75% of the ARV | Up to 95% financing + up to 100% of eligible rehab costs |
| Rate | Maximum 75% ARV | 9.74% Fixed Rate | |
| Seasoned Investor - (10+ Completed Flips) | |||
| MAXIMUM AFTER-REPAIR VALUE | MAXIMUM FINANCING | ||
| Light / Moderate Rehab | Financing | Up to 75% of the ARV | Up to 100% financing + up to 100% of eligible rehab costs |
| Rate | Maximum 75% ARV | 9.74% Fixed Rate | |
| Heavy Rehab | |||
| MAXIMUM AFTER-REPAIR VALUE | MAXIMUM FINANCING | ||
| Heavy Rehab | Financing | Up to 75% of the ARV | Up to 100% of eligible rehab costs |
| Financing is subject to borrower experience, property eligibility, underwriting guidelines, and final approval. Maximum leverage is subject to a 75% After Repair Value (ARV) limitation. | |||
LONG-TERM RENTAL
| Fico | Maximum Loan-to-Value (LTV) | Maximum Loan-to-Cost (LTC) | |
|---|---|---|---|
| Purchase | 740+ | Up to 70% of the As-Is Value | Up to 70% Loan-to-Cost |
| 720 - 739 | Up to 70% of the As-Is Value | Up to 70% Loan-to-Cost | |
| 700 - 719 | Up to 70% of the As-Is Value | Up to 70% Loan-to-Cost |
| Fico | Maximum Loan-to-Value (LTV) | |
|---|---|---|
| Refinance | 740+ | Up to 70% of the As-Is Value |
| 720 - 739 | Up to 70% of the As-Is Value | |
| 700 - 719 | Up to 70% of the As-Is Value |
| Fico | Maximum Loan-to-Value (LTV) | |
|---|---|---|
| Cash Out | 740+ | Up to 65% of the As-Is Value |
| 720 - 739 | Up to 65% of the As-Is Value | |
| 700 - 719 | Up to 65% of the As-Is Value |